Evans Bancorp Valuation
| EVBN Stock | USD 44.92 0.76 1.72% |
At this time, the firm appears to be overvalued. Evans Bancorp shows a prevailing Real Value of $39.57 per share. The current price of the firm is $44.92. Our model computes the value of Evans Bancorp from reviewing the firm fundamentals such as Profit Margin of 0.22 %, operating margin of 0.28 %, and Current Valuation of 306.27 M as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Evans Bancorp's valuation include:
Price Book 1.3393 | Enterprise Value 306.3 M | Price Sales 3.0349 | Trailing PE 13.409 | Enterprise Value Revenue 4.944 |
Overvalued
Today
Please note that Evans Bancorp's price fluctuation is very steady at this time. Calculation of the real value of Evans Bancorp is based on 3 months time horizon. Increasing Evans Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Evans Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Evans Stock. However, Evans Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 44.92 | Real 39.57 | Target 29.33 | Hype 44.75 | Naive 44.5 |
The intrinsic value of Evans Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Evans Bancorp's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Evans Bancorp helps investors to forecast how Evans stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Evans Bancorp more accurately as focusing exclusively on Evans Bancorp's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Evans Bancorp's intrinsic value based on its ongoing forecasts of Evans Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Evans Bancorp's closest peers.
Evans Bancorp Cash |
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Evans Valuation Trend
Knowing Evans Bancorp's actual value is paramount for traders when making sound investment determinations. Using both Evans Bancorp's enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
Evans Bancorp Total Value Analysis
Evans Bancorp is currently forecasted to have valuation of 306.27 M with market capitalization of 248.9 M, debt of 189.84 M, and cash on hands of 6.81 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Evans Bancorp fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
306.27 M | 248.9 M | 189.84 M | 6.81 M |
Evans Bancorp Investor Information
About 55.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.34. Some equities with similar Price to Book (P/B) outperform the market in the long run. Evans Bancorp last dividend was issued on the 12th of September 2024. The entity had 105:100 split on the 10th of November 2005. Based on the analysis of Evans Bancorp's profitability, liquidity, and operating efficiency, Evans Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.44 | 0.47 |
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| Total Cash From Operating Activities | 11.4 M | 15.5 M |
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| Operating Income | 17.8 M | 34.7 M |
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Evans Bancorp Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The recent return on assets of Evans suggests not a very effective usage of assets in November.Evans Bancorp Ownership Allocation
The market capitalization of Evans Bancorp is $248.9 Million. Over half of Evans Bancorp's outstanding shares are owned by other corporate entities. These other corporate entities are typically referred to as corporate investors that obtain positions in a given instrument to benefit from reduced trade commissions. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.Evans Bancorp Profitability Analysis
The company reported the previous year's revenue of 94.13 M. Net Income was 24.52 M with profit before overhead, payroll, taxes, and interest of 89.49 M.Evans Bancorp Past Distributions to stockholders
About Evans Bancorp Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Evans Bancorp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Evans Bancorp based exclusively on its fundamental and basic technical indicators. By analyzing Evans Bancorp's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Evans Bancorp's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Evans Bancorp. We calculate exposure to Evans Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Evans Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 94.1 M | 98.8 M | |
| Pretax Profit Margin | 0.37 | 0.52 | |
| Operating Profit Margin | 0.47 | 0.44 | |
| Net Profit Margin | 0.26 | 0.40 | |
| Gross Profit Margin | 9.25 | 8.22 |
Evans Bancorp Quarterly Retained Earnings |
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A single share of Evans Bancorp represents a small ownership stake in the entity. As a stockholder of Evans, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Evans Bancorp Dividends Analysis For Valuation
At this time, Evans Bancorp's Dividends Paid is very stable compared to the past year. As of the 26th of November 2024, Dividend Payout Ratio is likely to grow to 0.45, while Dividend Yield is likely to drop 0.02. . At this time, Evans Bancorp's Retained Earnings are very stable compared to the past year. As of the 26th of November 2024, Earnings Yield is likely to grow to 0.15, while Retained Earnings Total Equity is likely to drop about 71.2 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 7.2 M | 7.6 M | |
| Dividend Yield | 0.04 | 0.02 | |
| Dividend Payout Ratio | 0.29 | 0.45 | |
| Dividend Paid And Capex Coverage Ratio | 2.00 | 2.13 |
There are various types of dividends Evans Bancorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Evans shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Evans Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Evans pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Evans Bancorp by the value of the dividends paid out.
Evans Bancorp Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 5.5 M | |
| Quarterly Earnings Growth Y O Y | -0.197 |
Evans Bancorp Current Valuation Indicators
Evans Bancorp's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Evans Bancorp's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Evans Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Evans Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Evans Bancorp's worth.When determining whether Evans Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Evans Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Evans Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Evans Bancorp Stock: Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Evans Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics. To learn how to invest in Evans Stock, please use our How to Invest in Evans Bancorp guide.You can also try the Bonds Directory module to find actively traded corporate debentures issued by US companies.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Evans Bancorp. If investors know Evans will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Evans Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.20) | Dividend Share 1.32 | Earnings Share 3.35 | Revenue Per Share 14.907 | Quarterly Revenue Growth (0.1) |
The market value of Evans Bancorp is measured differently than its book value, which is the value of Evans that is recorded on the company's balance sheet. Investors also form their own opinion of Evans Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Evans Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Evans Bancorp's market value can be influenced by many factors that don't directly affect Evans Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Evans Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Evans Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Evans Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.